How one client saved ₹15,625 in taxes without selling a single good investment
The situation
✦ Booked ₹2.5L in Long-Term Capital Gains this year
✦ ₹1.25L LTCG exemption applied
✦ Tax due @ 12.5% on remaining ₹1.25L = ₹15,625
✦ Also held stocks with ₹1.25L unrealised Long-Term Loss — sitting idle, ignored
What we did
We booked the ₹1.25L Long-Term Loss intentionally — before March 31st.
This offset the ₹1.25L taxable LTCG exactly.
The result
Net taxable LTCG = ₹0
Total tax saved = ₹15,625 ✅
This strategy is called Tax-Loss Harvesting.
Most investors in this situation would have either panicked and sold everything — or done nothing and paid the full tax.
The difference between the two outcomes?
One conversation. One decision.
Before March 31st.
If you have unrealised losses sitting in your portfolio right now — don't ignore them.
They might be doing more work for you than you think. 🌱
⚠️ Tax-loss harvesting is legal and widely used — but rules around holding periods and eligibility are nuanced. Consult your CA before executing.
Has your advisor ever shown you this? Drop a comment 👇
TaxLossHarvesting TaxPlanning LTCG CapitalGains PersonalFinance
